i serve as ceo of orion federal credit union in memphis, tennessee. we appreciate the opportunity to discuss the cfpbs ability to repay rule and the impact qualified mortgage standard will have an credit union lending. credit unions did not causes financial crisis and shouldn't be subject to the regulations aimed at those entities that did. unfortunately, it has not been the case thus far. as we're hearing from many of our credit union members enough is enough when it comes to the tidal wave of new regulations. we support efforts to support that lenders are not forced into marts they cannot afford. this is a long standing practice of credit unions before the crisis and continues to be the case post crisis. credit unions have a history of making loans for their members they have the ability to repay. this was demonstrated by the quality of their loans during the financial crisis. while credit union loans generally do not have a problem meetings ability to repay underwriting criteria, meeting the additional criteria to obtain a qm status and avoid the a

. ♪ [ laughs ] away beckons from orion's belt. away...is a place that's closer than you think.y. for a dealer and the rv that's right for you, visit gorving.com. >>> welcome back to our continuing coverage of the president's state of the union. good morning, if you're on the east coast. what will be making political headlines in the week ahead. audie. >> this idea workplace policies belong in an episode of "mad men" bringing back more liberal leave. this is something from the american jobs act. that made we want to run to my hard drive to do a search, blow the dust off of that 2011 document and see if we'll see more of that in the coming weeks. >> john. >> in the previous segment you were going through some of the senate races. two you didn't mention, minnesota and oregon. talking to republicans these days, they're feeling very bullish. they think if this year turns out to be what it could be for them they could put some states onto the map that aren't being talked about right now. al franken in minnesota, jeff merkley in oregon, two freshmen democratic senators potentially in

extra will help them to continue the work on the launch system that we need to develop to carry the orion-manned capsule. n.a.s.a. wants to do testing and have it ready to go. the funding will help to keep the operations rolling on. >> and a quick last question in. there's shocking news out of iran. according to the iranian government newsagency. the u.s. government has been run since 1945 by space ailiens that formally ran the nazi regime, and said this information has been corroborated by the scientists. i'm not joking, they reported it. as chief as tron mer of a science museum have you had contact of these alien overlords. >> we've been discovered, they said if i said anything about it they'd turn me into an newt. >> great to have you with us. the show may be over. you can find us on facebook, google+ or twitter. see you next time. >> another young shooter opens fire on a school. this time in new mexico. a teacher stepped in to stop the attacks, but not before two kids were shot. >> insults and apologies from the israeli defence minister. comments aimed at john kerry labelled offensive. >> go

extra will help them to continue the work on the launch system that we need to develop to carry the orion-manned capsule. n.a.s.a. wants to do testing and have it ready to go. the funding will help to keep the operations rolling on. >> and a quick last question in. there's shocking news out of iran. according to the iranian government newsagency. the u.s. government has been run since 1945 by space ailiens that formally ran the nazi regime, and said this information has been corroborated by the scientists. i'm not joking, they reported it. as chief as tron mer of a science museum have you had overlords. >> we've been discovered, they said if i said anything about it they'd turn me into an newt. >> great to have you with us. the show may be over. >> announcer: this is al jazeera. ♪ >>> hello, welcome to the news hour. i'm here in our news center in doha and london. these are the top stories. the price of iraq's sectarian struggle, dozens of people killed in attacks on sunni and shiite muslims. >>> the biggest appeal in un history, $6.5 billion needed for syrian's war victims. >>> the central afri

. ♪ [ laughs ] away beckons from orion's belt. away...is a place that's closer than you think.hat's right for you, visit gorving.com. >>> pubically this case is considered to be the amanda knox case, but really it's the meredith kercher murder case. sadly, i think a lot of that has been lost in the way it's been covered in the media. >> millions of italians believe this young woman is a murderess, millions. >> i don't think amanda is guilty of felony murder, but i think amanda is guilty of being felony stupid. the second trial of amanda knox and raffaele sollecito took 11 months to complete. even when delivered in italian, the verdict was clear. [ speaking italian ] >> amanda knox was free. >> amanda is free and sollecito, raffaele, too. >> in the fall of 2011, after these kids had been in prison for four years, a perugia appeals court threw the case out, overturned it, and they walked and they went home. ♪ >> while it became a time of celebration for amanda knox, raffaele sollecito and their families, the tragedy of meredith kercher cannot be forgotten. >> the kercher family h

. ♪ [ laughs ] away beckons from orion's belt. away...is a place that's closer than you think.ur away. for a dealer and the rv that's right for you, visit gorving.com. >>> now for our what in the world segment. i was struck by some startling data this week. 2013, japan population soared to the largest natural decline in that country's history. it's a trend that's getting worse. by 2060, japan predicts its population will have fallen by a third. 40% of japanese will be retirees. it sounds like a recipe for disaster. imagine a united states where half the population were over 65. health care costs would explode. new scientists claiming japan's aging population could actually be good news. how on earth is that possible? after all, china relaxed its one-child policy last month precisely so it could avoid the fate of japan. and that fate, if you go by conventional wisdom, seems to be slowing growth and leading to unsustainable debt. why? our entire system is based on having enough young workers to pay for pensions and government services. well, according to the new scientists, perha

was a semmel -- a seminar that talked about the best predictors of voting patterns is religious race orion rather than anything else. there are a lot of folks of -- african-american churches, hispanics who are very active in their churches where polls suggest it is a different point than the progressive point of view on a number of issues whether it is the social issues, limited government, fiscal conservatism, and a lot of other things. isn't there the likelihood that what we need to do is come together somewhere more in the middle rather than the extremes of your and and had a conversation more about a range of ideas and solutions? >> i agree with that. not about left-wing or right wing, it is about the moral center. forof the critiques i have the progressive faith communities that we don't associate the progressive agenda enough with the strong religious and biblical things of dealing with poverty in addressing health care, etc. that is a potential area to be able to come together. is also a challenge to progressives and democrats that they cannot take people of color for granted. very

and engineers are also working on the orion, a spacecraft to carry astronauts to deep space.ested later this year. thanks again to our viewer, george, for that question. if you have a story to hear about, check out the ways to reach us. we will follow-up to get you answers, just let us know. >>> when we come back, a tip for small business owners. >>> and 41 years after roe v. wade the nation is still divided. we'll get a fair and balanced debate with both sides of the issue. this is interesting. it says here that a woman's sex drive increases the age of 80. helps reduce the risk of heartisease. it seems that 80 is the new 18. grannies, bless your heart, you are bringing sexy back! eat up. keep heart-healthy. live long. for a healthy heart, eat the 100% natural whole grain goodness opost shredded wheat. doctors recommend it. of the dusty basement at 06 35th street the old dining table at 25th and hoffman. ...and the little room above the strip mall f roble avenue. ♪ this magic momt it is the story of where every great idea begins. and of those o believed they had the power to

dollars extra will help them continue the work on the launch system that we need to develop to carry the orionnned capsule. >> some shocking news out of iran. the snowden nsa leak has shown that the u.s. government has been run since 1945 by space aliens. they say this information has been cooperated by the scientists. i am not joking. quickly have you had any contact with these alien over lords. >> we have been discussed and they said if i told anybody about it they would turn me into a put in, so my lips are closed on this. >> doctor thank you. that is it for tonight. we'll see you next time. >> good evening, everyone. welcome to al jazeera america. i'm john seigenthaler in new york. >> middle school shooting a 12-year-old boy armed with a shotgun opens fire. two classmates wounded. we'll have the latest from new mexico. >> hunted down - nigeria's antigay laws hunting people down and persecution >> showdown in africa between armed vigilantes and drug lords >> holy moly, it's

. ♪ [ laughs ] away beckons from orion's belt. away...is a place that's closer than you think.d your away. for a dealer and the rv that's right for you, visit gorving.com. >>> more breaking news to tell you about. the family of the longest held american hostage is speaking out. bob levinson went missing in iran seven years ago and it was publicly revealed just last month that he was doing undercover contract work for the cia at the time. christine levinson and her son dan are now speaking out to susan candiotti. >> he was doing what he always did which is working for the united states government and investigating criminal activities. and the united states government has not taken ownership of it yet. >> reporter: the wife and son of retired fbi agent bob levinson speaking out for the first time since it was publicly revealed her husband was arrested in iran doing undercover contract work for the cia. he disappeared in 2007. >> i've just kept thinking this can't actually be happening. it is such a nightmare. >> reporter: to this day, the government denies he was a government emp

. ♪ [ laughs ] away beckons from orion's belt. away...is a place that's closer than you think.ind your away. for a dealer and the rv that's right for you, visit gorving.com. >>> welcome back to "ac 360 later." the pentagon is studying what's apparently a new video of the only american who is currently a prisoner of war. you probably didn't even know there was a american being held as prisoner of war. he's believed to be in pakistan held by the taliban. this is from 2010, the last time he was seen. back with the panel, author david rhode. david and a colleague were captured in afghanistan and held for several months. does the family have any new information? how are they doing? >> they don't. and they are struggling. if bo is anything like this family, he's an incredible young man. his mother is graceful and strong. his father has this big beard he's grown. he's done that because bo has a big beard. i had a big beard. they make you grow as a prisoner. they're just an incredible family trying to survive this. >> do they want people to see the video? it's always tricky. families o

from science to the new big rocket, its cap actual, orion, to the commercial, -- capsule, orion, to the commercial, to the unmanned space program exploring the heavens, you-all have got it right and i wanted to take this opportunity to express my profound thanks that on the authorization that we built on starting three years ago, you-all are continuing the dream. thank you very much. ms. mikulski: well, i thank the gentleman from florida. it's just wonderful for both my colleague, senator shelby, and i to -- you're an astronaut senator. and to come from an astronaut senator to say, we think you're doing the job right, means a lot to us. ththe senate has been blessed by having three astronaut senators. senator jake garn, republican from utah, senator john glenn of ohio, and senator bill nelson. now, some of us have been in orbit a long time but you actually knew what you were doing. so thank you very much and we're trying to add gravity to this bill. mr. shelby: madam president? the presiding officer: the senator from alabama. mr. shelby: i just want to pick up on what senator mikulski w

it's an orion cell phone detector.processor circuits that are in all cell phones. this will detect cell phones whether they are turned on or off, active or not. okay. i'm getting an indication right here. unfortunately, it also picks up walkman and things like this. so 99 times out of 100, it might give us a false indication. but the one time we do find a cell phone, you know, it will all have been worth it. >> with the death of officer morgan, brushy mountain staff are always on high alert. >> we was security-minded anyways, but i look harder. we all look harder. if we see anything whatsoever funny, that inmate is not going out. and everybody knows there may be something up. >> morgan's fellow officers still think about him every day. >> he was a good one. you know, he's watching over all of us, and he's going to make sure that everything is all right. and we loved him, and he loved all of us, so we know he's here because we can still feel him in our hearts. >>> coming up -- when prison love letters go too far. [ chic

it involves scores of people trying to outdo each orion line by taking outrageous selfies, so you know this is ridiculous, right? maria is following the story for us. >> leave it to me, tony. the hashtag is selfie olympics. the goal is to take the most outrageous bizarre pictures of yourself. this is true strange. this is a guy on top of a door. this one takes some acrobatic skills. the rules are simple. you have to take the selfie inside a bathroom and need a prop. some people have had themes to theirs, like this one is a sports theme. this guy is next to jamaican sprinter you usain bolt. she's in a hospital bathroom, and this one is the stay at home dad. then you've got other ones with just require a lot of setup like this one. this is a girl that's on a beach. you've golt a guy in a safari, and you've got a guy mowing his lawn and gone fishing. >> who has lost his mind and has too much time of their hands. appreciate it. >>> rebecca stevenson is back with more on the bitter cold weather, and then it is "real money" with ali velshi on the top of the hour. >> coming up on "real money,

. ♪ [ laughs ] away beckons from orion's belt. away...is a place that's closer than you think.d your away. for a dealer and the rv that's right for you, visit gorving.com. >>> developing this morning, a travel alert in effect in parts of snow-choked north dakota. look at that! you can't see a thing! whiteout conditions being caused by near hurricane-force winds clocked at 72 miles per hour. i think there's a phrase for this. i think we call it a ground blizzard, is that right? officials shutting down i-94 from bismarck to jamestown yesterday. the interstate reopening this morning, but travel alerts are still in place with stiff winds and subzero windchills in the forecast. >> winter on the prairie. >>> all right, slick, slippery conditions in central ohio, the first of three fast-moving alberta clippers already dropping 2 to 4 inches of snow around columbus. there's more snow in the forecast for today and tomorrow with temperatures falling into the teens. >>> and a different kind of dusting in frontier county, nebraska. check this out. that's really dust! it's a dust storm taki

a substitute this is encoder test 17190 against a tough way this is encoder test 17191 to ce with orion this is encoder test 17192 what this is encoder test 17193 the e will still take up of ex convict this is encoder test 17194 it'ss this is encoder test 17195 later this is encoder test 17196 this is encoder test 17197 well a good oso shaw's been appointed this is encoder test 17198 to this is encoder test 17199 this is encoder test 17200 the a cloak of a sissy this is encoder test 17201. then his school without too this is encoder test 17202 much stock in nineteen ninety nine champions league this is encoder test 17203 while this is encoder test 17204 this is encoder test 17205 takig them out to congress last week this is encoder test 17206 for f this is encoder test 17207 this is encoder test 17208 this is encoder test 17209 this is encoder test 17210 the dumb i'm still tickled this is encoder test 17211 to have. i've always wanted to combine this is encoder test 17212 intof this is encoder test 17213 the new foods this is encoder test 17214. nott senior this is encoder test 17215 an

the owe ryon vehicle as well as full -- orion vehicle to keep america competitive. i want to close by congratulating and thanking mr. rogers. we came here in 1981. we were considered reagan robots. i wasn't supposed to be here. chris smith is still here. mr. rogers. they will be the leaders of the class that's left. we have 54. i just want to thank him for what he's done and the staff on both sides and the members for bringing this bill and the returning to regular order. again, mr. fattah, my fellow from native philadelphia, thank you for everything you have done. with that i yield back the balance of my time. the speaker pro tempore: the gentleman from kentucky reserves. and the gentlewoman from new york is recognized. mrs. lowey: madam speaker, i yield two minutes to the gentlewoman from ohio, ms. kaptur, the ranking member of the energy and water committee. the speaker pro tempore: the gentlewoman from ohio is recognized for two minutes. ms. kaptur: i thank the ranking member from new york for yielding me time. madam speaker, i rise today in support of the fisca

two weeks ago, the executive from orion federal union in memphis raised the same concerns that many have visited the taylor government to purchase program will not fit the qualified mortgage standard entering the same hearing, the ceo of charlotte testified that as the regulation stands today, habitat affiliates remain at risk of debilitating liability. in each of these cases, and local lenders losing their ability to serve their community. under suicides a virus ability to repay will be handcuffed by arbitrary threshold and a one-size-fits-all. unvaried air and what we'll end up with in this q. admiral is hurting those low and moderate income i respect us who need the flexibility and ability to ascertain a mortgage. i look forward to hearing your comments on that and i want to make sure these binaries are not left out of the system. i yield back. >> the chair recognizes the gentlelady from new york for a minute and a half. >> i think the ranking member and chairman for calling this meeting about some director cordray. in just two and a half years, the cfpb has made huge strides in a num

the owe ryon vehicle as well as full -- orion vehicle to keep america competitive. i want to close by congratulating and thanking mr. rogers. we came here in 1981. we were considered reagan robots. i wasn't supposed to be here. chris smith is still here. mr. rogers. they will be the leaders of the class that's left. we have 54. i just want to thank him for what he's done and the staff on both sides and the members for bringing this bill and the returning to regular order. again, mr. fattah, my fellow from native philadelphia, thank you for everything you have done. with that i yield back the balance of my time. the speaker pro tempore: the gentleman from kentucky reserves. and the gentlewoman from new york is recognized. mrs. lowey: madam speaker, i yield two minutes to the gentlewoman from ohio, ms. kaptur, the ranking member of the energy and water committee. the speaker pro tempore: the gentlewoman from ohio is recognized for two minutes. ms. kaptur: i thank the ranking member from new york for yielding me time. madam speaker, i rise today in support of the fisca